Credit Cards: Pros and Cons

Sure, there are a lot of problems with credit cards, but there are a lot of good things attached to them as well. For instance, if you have a small business, fleet credit cards can keep your books in order when you issue them to drivers of company vehicles for gas and automobile repairs. On the other hand, it's very easy to abuse department store credit cards. And it's easy to have too many credit cards open at once.

Credit cards can be great for keeping your business in order; fleet credit cards are a tool you should use. With fleet credit cards, you can keep close watch on the expenses of your automotive fleet while building your company's credit rating by paying off the card regularly; and because the cards are of limited use, it's difficult for less-than-honest employees to abuse them. Company credit cards are also handy for keeping tabs on small expenditures, such as office supplies or luncheon meetings. But there's a dark side to credit cards. When you start to slide into credit trouble, it's often easier to get department store credit cards; and having too many department store credit cards can lead to missed payments and bad credit.

You don't have to keep a balance on credit cards for it to count against you in your credit rating; instead, having a large amount of money available to use for credit can harm your application for large loans. And having several credit cards available to you makes it easy to either use too many credit cards for too many things, or to use the wrong, higher-interest credit card for your purchases. Either of these bad choices can cost you money and points against your credit rating.

Instead of doing this to yourself, only keep the credit cards you actually plan to use. With small businesses, issue credit cards only to trusted employees, and check the statements yourself. With wise use and proper oversight, credit cards can be a real asset in your professional and your personal life.

Jeff Altmire is the author of this article. This article may be reproduced on websites subject to credit being given to the author, and a link to this website. If you would like more information go to http://www.best-credit-card-cards.com

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dividend.com/blog/%3Fp%3D2124cid=1255213961ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNFrnKfFbt2BX1lGZbpS82F5khPwPAimg src=http://news.google.com/news?imgefp=4G_-VSlm4LIJimgurl=www.dividend.com/blog/wp-content/uploads/storypics/money-stacks.jpg width=80 height=64 alt= border=1brfont size=-2Dividend.com/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/finance/2008/10/07/cme-pimco-treasury-pf-ii-in_pr_1007dividend_inl.htmlcid=1255213961ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNFnjto2qhU4zW7uqv_978WlAuf7uAbCredit/b Default Swap Virtual Pit/abrfont size=-1font color=#6f6f6fForbes,nbsp;NYnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1CME Group (nyse: CME - news - people ) is rallying today on an announcement that it will be creating a platform for electronic trading of bcredit/b default b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/2008/10/07/markets/stockswatch/%3Fpostversion%3D2008100707cid=1255213961ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNHyOFNeXNPeoxmHbPre4SAZ07PLPgSome signs of hope/a font size=-1 color=#6f6f6fnobrCNN/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/us-stocks-up-feds-entering/story.aspx%3Fguid%3D%257BAD5AD1E1-DDFF-4899-8551-19B2A04F414D%257D%26dist%3Dmsr_1cid=1255213961ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNEjA8E4JlcJxgh0njWHhxcbQYby2AUS stocks up on Fed#39;s entering commerical paper market/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/financial-stocks-jump-after-feds/story.aspx%3Fguid%3D%257BA0F08A0F-14E1-40C5-9AB0-002CF4EB5ABD%257D%26dist%3Dmsr_10cid=1255213961ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNGrcs7BDsgk2iypozv6Bd1Sx9aUiwFinancial stocks jump after Feds sets commercial paper buy/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255213961hl=ennobrall 12 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122332067901008559.html%3Fmod%3Dgooglenews_wsjcid=1254804403ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNFrLFv9E30MZU2lKdyLudX1tNj_xgimg src=http://news.google.com/news?imgefp=FkytdmbArj4Jimgurl=s.wsj.net/public/resources/images/MK-AS206_mgmmir_D_20081006165635.jpg width=80 height=53 alt= border=1brfont size=-2Wall Street Journal/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.guardian.co.uk/business/feedarticle/7845336cid=1254804403ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNGizWgXpnnoDMux74bK-6ydNa01FAMGM Mirage bcredit/b line amended, shares fall/abrfont size=-1font color=#6f6f6fguardian.co.uk,nbsp;UKnbsp;-/font nobrOct 6, 2008/nobr/fontbrfont size=-1By Deena Beasley LOS ANGELES, Oct 6 (Reuters) - MGM Mirage said on Monday its senior bcredit/b facility has been amended and it has finalized $1.8 billion of b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/citycenter-secures-first-phase-its/story.aspx%3Fguid%3D%257B1A954400-8A86-49BE-A467-9A99032267C0%257D%26dist%3Dhpprcid=1254804403ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNHnLarlge-aAa23Dt2lKyQ0IPQIdQCityCenter Secures First Phase of Its $3.0 Billion Senior bCredit/b b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122332067901008559.html%3Fmod%3Dgooglenews_wsjcid=1254804403ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNFrLFv9E30MZU2lKdyLudX1tNj_xgMGM Mirage Gets Some Vegas Funding/a font size=-1 color=#6f6f6fnobrWall Street Journal/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.onlinecasinoadvisory.com/casino-news/land/mgm-mirage-redoes-loan-terms-42215.htmcid=1254804403ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNG1-5rv5twRGoJiAZfpS4BgREseKQMGM Mirage Renegotiates Debt as Means to Further Borrowing/a font size=-1 color=#6f6f6fnobrOnline Casino Advisory/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/10/06/ap5514160.htmlcid=1254804403ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNGe7nKtNyVav3jkxihIpcpBzNWwXgnobrForbes/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://dealbook.blogs.nytimes.com/2008/10/07/mgm-mirage-scores-partial-financing-for-las-vegas-project/cid=1254804403ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNG86a6AE3B2HGW0dzptq86y5SxMbQnobrNew York Times Blogs/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254804403hl=ennobrall 66 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/accion-usa-provides-credit-help/story.aspx%3Fguid%3D%257B5C963D8B-E310-4DFE-BE56-F2A82F5E728E%257D%26dist%3Dhpprcid=1255170469ei=X87rSMiPDqCQ6APe2-j5CAusg=AFQjCNFaZwRxm9J5hF26SaWLf-gJylEWvwACCION USA Provides bCredit/b Help for Strapped #39;#39;Main Street b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1quot;With the current bcredit/b crunch affecting businesses of all sizes, we are seeing an exponential increase in the need for alternative bcredit/b sources for b.../b/font/div/font/td/tr/table
credit - Google News


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